this issue has come into play, obviously with changes to present his services to encourage utilization. questions have arisen with respect to the share of the deductible and coinsurance and physician services on hospital services and others. again, we would like to make sure that the burden is an appropriate one. it is not excessive, but encourages appropriate use of care. finally, we worry about the long-term sustainability of the program and its impact on the budget. which as we think about the deficit issues, one of the particular challenges, of course, is that health care coverage, while important to people of all ages, it is particularly important for the elderly and the disabled, as we see evidence in the utilization. every year, three quarters of those who are on medicare who depend on the medicare program, they have at least one physician's visit and one in five visit a hospital.